Investing
Lending
Debt Advisory

Investor

Autonomy

We believe investors should have full control and visibility over where their capital is deployed. Through our platform, wholesale investors can select specific lending opportunities aligned to their risk appetite and investment objectives. This hands-on approach gives investors the clarity and control to build portfolios with confidence.

Why Invest with Optima Capital?
Direct Access to Private Debt
Access secured, income-generating loans typically unavailable through public markets.
Transparency & Control
Invest with clear visibility across terms, borrower profiles and risk.
Aligned Interests
Our team invests alongside you, ensuring shared commitment and accountability.
Diversification
Build a diversified portfolio across sectors and deal types, guided by experienced credit professionals.
Take Control of Your Capital
Access your potential
Access secured private debt opportunities with transparency, alignment and disciplined credit management.
Register your interest to explore current opportunities.
Get in Touch

Private Lending
Solutions

Fast. Flexible. Private.

Optima provides direct lending solutions to businesses and property developers across Australia and New Zealand. Facilities range from $500,000 to $100 million+, supporting transactions from single assets through to large-scale development.

Alongside deploying our own capital, we leverage a broad network of lending partners to structure funding where more complex or larger capital stacks are required.

What We Offer
Business Loans
Short-and medium-term funding to support working capital, acquisitions, growth and cash flow.
Bridging Finance
Fast, flexible funding to manage timing gaps across acquisitions, refinances and transitional periods.
Development Finance
Funding across residential and commercial projects, from ground-up construction to refurbishment.
Structured Credit
Bespoke debt solutions for complex scenarios that fall outside traditional lending criteria.
Our Lending Process
01.
Initial Assessment
We quickly assess your funding requirements and project viability.
02.
Tailored Proposal
Our team crafts a bespoke, structured solution aligned to your objectives and timeline.
03.
Due Diligence
Comprehensive credit and risk analysis to support informed, disciplined decisions.
04.
Fast Execution
Streamlined approvals and minimal bureaucracy enables fast funding. We close deals rapidly.
05.
Active Management
Post-closing, we monitor performance closely and maintain open communication throughout the life of the facility.
Why Choose Optima Capital?
  • Flexible terms aligned and tailored to your requirements
  • Fast decision-making and capital deployment
  • Clear and collaborative approach to partnerships
  • Deep experience across lending and development
Built to Move
Flexible, experienced and fast, we structure capital that moves with you and delivers real outcomes.
Bring Your Vision to Life
discover dynamic finance
From acquisition through to completion, capital is structured to move with your timeline, not against it.
Speak with our lending team about your next opportunity.
Get in Touch

Development
Funding

Real Estate Loan
01 —
A largely passive facility with a single advance at settlement, designed for stable assets with minimal change to the underlying property over the loan term.
Loan Term Range
Loan terms typically range from 12 to 60 months. Assets requiring light improvements, such as refurbishment or lease-up, generally suit shorter terms of 12 to 18 months. Stabilised assets may qualify for longer durations of 18 to 60 months.
Interest Servicing
Interest is typically serviced monthly, with capitalisation available for shorter-term facilities where appropriate.
Site Acquisition
02 —
If you are securing land for your next development, we structure funding across every stage of the planning lifecycle, from rural-zoned holdings through to fully approved, shovel-ready projects.
Loan-to-value ratios (LVRs)
Loan-to-value ratios increase as planning certainty improves, reflecting the evolving risk profile of the asset.
Funding Range
Funding may commence at approximately 30% for rural land and extend up to 60% for permitted development sites.
Construction
03 —
Fund construction across subdivisions, multi-stage projects and high-rise developments with a progressive drawdown facility tailored to your build program.
Cost-to-Complete Model
Designed for experienced developers, funding is structured around a cost-to-complete model, supported by independent quantity surveyor assessments. Interest may be capitalised, with repayment typically aligned to project sales.
Exit Strategy
For developers intending to retain completed assets, an investment facility can be pre-arranged to refinance construction debt upon completion.
Residual Stock
04 —
Retain and progressively sell completed stock with holding finance that supports your sell-down strategy.
Post-Completion Funding
This facility can follow a construction loan or refinance an existing lender at practical completion.
Repayment Flexibility
Repay loans progressively from sales proceeds without early repayment penalties, providing flexibility as stock is sold down.
Mezzanine
05 —
Mezzanine finance bridges funding gaps where senior debt does not fully meet your capital requirements, enabling projects to move forward.
Capital Position
Structured as a second-ranking facility, mezzanine funding sits behind senior debt but ahead of equity within the capital stack.
Return Profile
While priced above senior debt, mezzanine finance provides additional leverage to advance projects and enhance overall returns.
Structured for Every Stage
funding with speed and certainty
From site acquisition through to construction and residual stock, we structure capital that moves with your project.
Submit your details to receive a tailored funding proposal.
Secure a funding proposal that works for you.
Get in Touch

Commercial

Loans

Bridging Finance
01 —
Secure flexible funding when timing doesn’t align between buying and selling property. This facility is designed to support transitions, allowing you to move forward without waiting for settlement.
Move Without Delay
Move ahead with your next purchase or build before your current property settles. The facility combines both existing and new loan commitments into a single structure, with interest accrued and incorporated into the total loan balance over the bridging term.
Reduce Pressure
By deferring repayments during this interim period, the structure reduces cash flow pressure and supports a smoother transition from one property to the next.
Second Mortgages
02 —
Access additional capital where senior debt is already in place. This facility allows you to unlock value from existing assets without refinancing your primary loan.
unlock equity
Unlock equity without disrupting your current lending structure. Positioned behind the senior lender, second mortgages can be used to support acquisitions, development costs, working capital or broader business expansion.
*Up to 85% LVR
Facilities are structured on a short to medium-term basis, with funding available up to 85% combined loan-to-value ratio, subject to credit assessment and security quality.
Funding Without Friction
Funding When It Matters
When timing matters, traditional lenders often fall short. We don’t. Tell us your situation and we will provide clear direction within 48 hours, so you can move forward with confidence.
Clarity within 48 hours.
That’s Optima.
Get in Touch

Debt Advisory Services

Every funding requirement is different. While our private debt fund provides direct capital, we also advise across the broader lending market to help you secure the right structure.

Whether you need a different solution or a larger capital stack, we guide you to the lenders, structures and outcomes that fit.

Beyond Optima’s Funding
the Right Structure
Access funding beyond our own capital. Where a different structure or a larger capital stack is required, our team guides you to the right lenders and structures.
Market Access
Leverage our extensive network and partner to source the right capital. From senior debt to mezzanine and structured facilities, we match funding to your requirements.
Proven Expertise
$2BN+ Experience
With over $2 billion in loans placed over the past decade, we bring experience across sectors, structures and capital stacks.
Deliver in Complexity
From senior secured lending to bespoke credit structures, we navigate complex or competitive situations with clarity and confidence.
How We Help
  • Assess your funding requirements and objectives
  • Identify lending options across the full market beyond Optima’s own fund
  • Structure and negotiate terms to improve capital efficiency
  • Manage the full debt placement process from start to finish, reducing time and complexity
A Connected Approach
Partner with Optima across our private fund and broader advisory to secure the right structure at the right time.
Access the Full Lending Market
secure the right structure
Access capital across our private fund and wider lending network, structured to match your requirements. Speak with our team to optimise your capital stack.
Let’s optimise your capital stack.
Get in Touch
Broker Access

Partner with Optima

Brokers

Make your move.
Fast.

Access capital fast and make your move. Speak with our team to get started.
Private debt, put to work
•
Capital structured for growth
•
Commercial lending that moves
•
Development funding, delivered fast
•
Debt advisory, clearly structured
•
Invest with clarity and control
•
Private debt, put to work
•
Capital structured for growth
•
Commercial lending that moves
•
Development funding, delivered fast
•
Debt advisory, clearly structured
•
Invest with clarity and control
•
HomeAboutServicesBrokers
Contact
info@optimacapital.com.au
1800 027 200
18/1 Castlereagh Street,

Sydney, NSW, 2000
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Optima Capital acknowledges the Traditional Custodians of the lands where we work and live. We celebrate the diversity of Aboriginal peoples and their ongoing cultures and connections to the lands and waters of NSW.
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